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Who Pays for Payments?

Egan, Mark L.; Matvos, Gregor; Seru, Amit; Wang, Lulu; … - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015647631

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Who pays for payments?

Egan, Mark L.; Matvos, Gregor; Seru, Amit; Wang, Lulu; … - 2026

Book / Working Paper

Interchange fees in payment networks : implications for prices, profits, and welfare

Hunt, Robert M.; Serfes, Konstantinos; Zhang, Yin - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015650620

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Interchange fees in payment networks : implications for prices, profits, and welfare

Hunt, Robert M.; Serfes, Konstantinos; Zhang, Yin - 2025

Book / Working Paper

Locked out by loyalty : entry deterrence through rebates in payment card markets

Lubbersen, Vera - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015666906

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Locked out by loyalty : entry deterrence through rebates in payment card markets

Lubbersen, Vera - 2026

Book / Working Paper

Gas fees as liquidity risk signals in blockchain token markets

Wang, Kai; Krištoufek, Ladislav - 2026

Platform-level gas fees serve as a public, real-time, predictive signal of cross-sectional liquidity risk in blockchain ecosystem tokens. Using a daily panel of 4,224 chain-specific tokens on Ethereum, BNB Chain, and Solana between 2017 and 2025 (2.04 million tokenday observations), gas fees are...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015669762

Interest-rate fee substitution : credit facilitation in segmented markets

Cocco, João F.; Naaraayanan, S Lakshmi; Tripathy, Jagdish - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10016063704

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Interest-rate fee substitution : credit facilitation in segmented markets

Cocco, João F.; Naaraayanan, Lakshmi; Tripathy, Jagdish - 2026

Book / Working Paper

Debit card interchange fees charged to small merchants after Regulation II

Hayashi, Fumiko - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015394619

Redemption fees and gates in the lab

Kiss, Hubert János; Rosa García, Alfonso; Voellmy, Lukas - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015437169

Bank Fees and Household Financial Well-Being

Pagel, Michaela; Sridhar, Sharada; Williams, Emily - 2026

In this study, we examine policy changes from large U.S. banks between 2017 and 2022, which eliminated non-sufficient funds (NSF) fees and relaxed overdraft policies. Using individual transaction-level data, we find that the elimination of NSF fees, not surprisingly, resulted in immediate...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015626322

Credit card interchange fees revisited : the role of credit and consumer behavior

Heresi, José Ignacio - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10016083390

Carrot and stick : impact of regulations, subsidies, and obligations on the development of cashless payments in poland

Polasik, Michal; Kotkowski, Radoslaw; Manikowski, Arkadiusz - 2025

Between 2012 and 2024, Poland-once a laggard in cashless payments among EU countries-underwent a profound transformation. The per capita number of cashless transactions at physical points of sale increased more than eightfold, rising from approximately 30 to over 250 per year, surpassing the EU...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015458695

Pricing in fast payments : a practical and theoretical overview

Aurazo, Jose; Banka, Holti; Galicia, Guillermo; … - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015476841

Tokenomics : optimal monetary and fee policies

Jermann, Urban J.; Xiang, Haotian - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015561012

Should the government be paying investment fees on $ 3 trillion of tax-deferred retirement assets?

Landoni, Mattia; Zeldes, Stephen P. - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015371046

Investigating ESG funds in China : management fees and investment performance

Wong, Michael C. S.; Li, Wei - 2024

This study investigates the association among management fees, ESG scores, and investment performance of ESG funds in China. It explores the significance of comprehending the cost-benefit analysis and long-term yields associated with sustainable investing. The investigation specifically...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10014636317

The effect of least-cost routing on merchant payment costs

Dobie, Boston; Watson, Benjamin - 2024

Persistent link: https://ebvufind01.dmz1.zbw.eu/10014526895

Do Behavioral Frictions Prevent Firms from Adopting Profitable Opportunities?

Gertler, Paul J.; Higgins, Sean; Malmendier, Ulrike; … - 2025

Firms frequently fail to adopt profitable business opportunities even when they do not face informational or liquidity constraints. We explore three behavioral frictions that explain inertia among individuals--present bias, limited memory, and distrust--in a managerial setting. In partnership...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015195033

Conflicting incentives in the management of 529 plans

Balthrop, Justin; Cici, Gjergji - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015455876

Dynamic equilibrium with costly short-selling and lending market

Atmaz, Adem; Başak, Suleyman; Ruan, Fangcheng - 2024

Persistent link: https://ebvufind01.dmz1.zbw.eu/10014528717

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Dynamic equilibrium with costly short-selling and lending market

Atmaz, Adem; Başak, Suleyman; Ruan, Fangcheng - 2023

Book / Working Paper

The cost of bank regulatory capital

Plosser, Matthew C.; Santos, João A. C. - 2024

Persistent link: https://ebvufind01.dmz1.zbw.eu/10014528724

From theory to reality : the varied and often unintended consequences of card payment surcharging

Milosavljević, Maja - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015458777

Mortgage pricing and monetary policy

Benetton, Matteo; Gavazza, Alessandro; Surico, Paolo - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015404049

Interchange fees, access pricing and sub-acquirers in payment markets

Aurazo, Jose - 2024

Persistent link: https://ebvufind01.dmz1.zbw.eu/10014463855

The need for speed : demand, regulation, and welfare on the margin of alternative financial services

McDevitt, Ryan C.; Sojourner, Aaron - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015673638

Bank Fees in Australia

Dunphy, Jessica - 2024

Persistent link: https://ebvufind01.dmz1.zbw.eu/10014526249

Gatekeeping at the counter: the regulation of stacked payment platforms

Gomes, Renato; Lefouili, Yassine - 2024 - This version: November 2024

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015097500

Access pricing, data externalities and sub-acquirers in payment markets

Aurazo, Jose - 2024

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015165289

Study on new developments in card-based payment markets, including as regards relevant aspects of the application of the Interchange Fee Regulation : Annexes 1-6

2024

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015277523

How consumers evaluate costs in complex services : the case of mutual fund fees

Hauff, Jeanette Carlsson; Carlander, Anders - 2024

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015198457

Miner competition and transaction fees

Shao, Enchuan; Rajapaksa, Danusha - 2024

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015448897

Bitcoin Ordinals : determinants and impact on total transaction fees

Bertucci, Louis - 2024

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015053805

Why Bitcoin and Ethereum differ in transaction costs : a theory of blockchain fee policies

Ndiaye, Abdoulaye - 2024

Blockchains, the technology underlying cryptocurrencies, face large fluctuations in user demand and marginal costs. These fluctuations make effective fee policies necessary to manage transaction service allocation. This paper models the conflict between the blockchain designer and validators...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015046289

Study on new developments in including as regards application of the card-based payment markets, relevant aspects of the Interchange Fee Regulation : final report

2024

This study provides an assessment of new developments in card-based payment markets, with a focus on the Interchange Fee Regulation's (IFR) impact on the market since 2018. The report reviews the recent evolution of the payment sector, focusing on the evolving trends regarding traditional means...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10014546107

Game of banks - biform game theoretical framework for ATM network cost sharing

Tri-Dung Nguyen - 2024

Persistent link: https://ebvufind01.dmz1.zbw.eu/10014577885

Hedge fund fee structure and risk exposure

Braun, Matías; Riutort, Julio; Roche, Hervé - 2024

Persistent link: https://ebvufind01.dmz1.zbw.eu/10014547956

Capitalists or Fiduciary Conscious Agents? ESG Mutual Fund Fees and Investor Sophistication

Wei, Wei; Zalewska, Anna (Ania) - 2023

Gil–Bazo and Ruiz–Verdú (2009) show that fund families strategically exploit the low performance sensitivity of investors, i.e., investors’ low elasticity of demand with respect to performance, to increase fund fees. Given that environmentally, socially and governance (ESG) focused...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10014256676

Who is paying all these fees? : an empirical analysis of bank account and credit card fees

Shy, Oz; Stavins, Joanna - 2024

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015066037

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Who is paying all these fees? : an empirical analysis of bank account and credit card fees

Shy, Oz; Stavins, Joanna - 2022 - This version: August 2022

Edition: This version: August 2022

Book / Working Paper

Who is Paying All These Fees? an Empirical Analysis of Bank Account and Credit Card Fees

Shy, Oz; Stavins, Joanna - 2022

Book / Working Paper

Do Fees Matter? Investor's Sensitivity to Active Management Fees

Døskeland, Trond M.; Sjuve, Andre; Ørpetveit, Andreas - 2023

The active mutual fund equilibrium model developed by Berk and Green (2004) predicts that fees should not matter for investors’ mutual fund choices. We examine how fees influence demand for active mutual funds by analyzing time variation in funds’ fees. Since investors should not pay "alpha...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10014349767

Payment card interchange fee regulation and financial institutions : the effects on traditional and fintech financial conglomerates

Barbosa, Klenio; Rocha, Bruno de Paula; Pereira, Luan Michel - 2024

Persistent link: https://ebvufind01.dmz1.zbw.eu/10014531797

Blockchain transaction fee and Ethereum Merge

Jain, Archana; Jain, Chinmay; Krystyniak, Karolina - 2023

Persistent link: https://ebvufind01.dmz1.zbw.eu/10014631648

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Blockchain Transaction Fee and Ethereum Merge

Jain, Archana; Jain, Chinmay; Krystyniak, Karolina - 2023

Book / Working Paper

Blockchain Transaction Fee and Ethereum Merge

Jain, Archana; Jain, Chinmay; Krystyniak, Karolina - 2023

Book / Working Paper

The impact of salient fees : evidence from the mutual fund market

Parida, Sitikantha - 2024

Persistent link: https://ebvufind01.dmz1.zbw.eu/10014492351

The no surcharge rule and its welfare implication

Tan, Hongru; Chen, Xuezheng - 2024

Persistent link: https://ebvufind01.dmz1.zbw.eu/10014446629

Central Bank Digital Currency : Payment Systems and Fees

Venturi, Giulio Carlo - 2023

This paper relies on the framework proposed by (Chiu et al., 2023) and quantitatively evaluates the impact of a retail interest-bearing central bank digital currency (CBDC) on credit supply, welfare, and output. Thanks to their monopoly in the deposit market, banks remunerate below market rates...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10014354380

Should credit card rewards be taxed?

Shy, Oz - 2024

Persistent link: https://ebvufind01.dmz1.zbw.eu/10014440805

The economics of low pension fees : Netherlands, Canada, Poland, and the United States

Shen, Sally; Turner, John A.; Rutecka-Góra, Joanna; … - 2023

Persistent link: https://ebvufind01.dmz1.zbw.eu/10014304864

Why do banks require minimum balance to avoid a fee?

Shy, Oz - 2024

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015188753

Bank fees in Australia

Nunn, Laura - 2023

Persistent link: https://ebvufind01.dmz1.zbw.eu/10014267137

The price effects of reducing payment card interchange fees

Shabgard, Bita; Asensio, Javier - 2023

In this paper we empirically address the issue of whether reductions in card payment interchange fees have a significant impact on prices paid by consumers. The answer to this question is at the core of most competition policy cases and regulations that have been applied to card payment markets....

Persistent link: https://ebvufind01.dmz1.zbw.eu/10014281326

An empirical analysis of debit card interchange fee regulation : evidence from Brazil

Castro, Daniel Tavares de; Schmitz, Emerson; Azevedo, … - 2023

This paper presents an empirical analysis of the introduction, in October 2018, of maximum thresholds ("caps") on debit card interchange fees for domestic payment cards in Brazil. We investigate the behavior of card issuers' revenues from debit and credit card interchange fees, the merchant...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10014382783

The evolution of bank fees as a source of income : trends and new business models - evidence from Italy

Affinito, Massimiliano; D'Amato, Matteo; Santioni, Raffaele - 2023

Persistent link: https://ebvufind01.dmz1.zbw.eu/10014391270

Determination of equilibrium transaction fees in the Bitcoin network : a rank-order contest

Kim, Daehan; Ryu, Doojin; Webb, Robert I. - 2023

Persistent link: https://ebvufind01.dmz1.zbw.eu/10014248385